"Salvation of a saint" by Keigo Higashino (Translated
by Alexander. O.Smith With Elye.J . Alexander) is a crime thriller fiction.

In 2011, “The Devotion of Suspect X” by the same author was acclaimed as
“stunning,” “brilliant,” and “ingenious.” Character Manabu Yukawa–Detective Galileo–returns in
this novel too.

The storyline of the novel goes like this~

Yoshitaka, a rich person and CEO of a company dies while
his wife is away. The arsenic in his coffee seems to be the reason for his
death. Ayane, his wife and Hiromi, his secret lover are the suspects. The lead
detective, Tokyo Police Detective Kusanagi, seems to fall into the charm of
Ayane. Utsumi, Kusanagi's assistant is sure that Ayane is the culprit although
there is no concrete evidence. Physics professor Manabu Yukawa also joins the
investigation team.

While Kusanagi
investigates in his own style, Utsumi relies on her intuition. Professor
Manabu Yuakama swings from one side to another and never loses track. All finer
aspects around the poison in the coffee cup is analysed thoroughly by the
detectives.

The kettle in which the coffee was made, the mineral water
bottles in the refrigerator and the water filter angle are all analysed
thoroughly by the detectives. Readers with a scientific bent of mind would
definitely find the unveiling of the mystery interesting.

Ex-lovers, the wife and the pregnant girl friend of
Yoshitaka are all interrogated thoroughly too.

How the mystery unfolds forms the rest of the story.

The author specifically needs to be lauded for perfect
characterization. Yoshitaka's " business like" character of treating
women like a " Baby machine", Ayanes'
" Charming and emotionally composed" nature , Utsumi's intuitive
nature are all well elaborated by the
author.

The story line is wafer thin and keeps the readers
interest glued for some time. The plot is unraveled nicely. But as the novel
moves forward, the question in the readers mind is not , " Who is the culprit?",
but it is about " How did the person commit the crime?".

The "flower plant watering" tin is an obvious clue
that is thrown open by the author at the early stage of the novel. Regular
readers of crime fiction or people with good guesses can never miss such
obvious clues about the murder. More details disclosed in this review would
essentially kill the "only" surprise element in the novel.

Even in the end, when the plot is disclosed, most of the
readers may be left unconvinced.

Since the plot is wafer thin, many impatient readers may
jump the gun to last pages of the novel.

Japanese names also create a different feeling to the
reader. If you are not used to such names, the reader may take some time to get
used to character names like Hiromi Wakayama, Toshitaka Mashiba, Ayane Mashiba,
Tatsuhiko, Manaby Yukawa , Kusanagi and so forth.

The book is overall a good read. This book would keep you
glued , if you are a person who is
" keen to know the details".

"Effective 1 January, all asset management companies (AMCs) launched direct plans of all their open-ended MF schemes, a move which was made mandatory by the capital markets regulator, Securities and Exchange Board of India (Sebi), through a circular issued in September."

So, are you still investing through your broker initiated portfolios?

Is there a need to switch to "direct" schemes?

Read the detailed article here. For those who don't have the time, here's the relevant portion which states the benefit in % for direct schemes. This amount may sound trivial but may add up to a huge saving over a period of time. Please mind the impact of capital gains tax before you do the switch. ( Also note :-you will loose out on STT for switch out from regular plan as in case of normal sale)

According to figures provided to us by Outlook Asia Capital, equity funds have shown a difference of about 0.58% on an annualized basis between the net asset values (NAVs) of direct and normal plans, as on 11 January. We have taken the annualized figures here as the total expense ratio (TER) figures of MF schemes are also annualized. Liquid funds have shown a far lower difference of about 0.05%, so far.